A Working List of Gender-Affirming Surgeons that take Insurance/Loans

Without a doubt, the costs of transgender procedures can be ridiculously pricey. It can be challenging to save up for these surgeries, especially with added hospital fees. The worst part, in my opinion, is the fact that many surgeons won’t even take insurance, because they consider the surgery to be cosmetic.

Over the years, I’ve found a lot of comprehensive lists of surgeons in the United States that are known for performing top surgery. However, it is hard to discern whether or not these surgeons accept insurance or loans such as CareCredit (CareCredit is a private lending company which acts as a credit card, and is offered at most major Dr. Offices’, surgery centers, etc).

I have put together a list of top surgeons that are willing to accept insurance or loan options. Before you decide on a surgeon, please note that not all insurances cover top surgery. Surgeons accept insurance, but not all insurances cover this procedure. This list is comprised of surgeons who advertise their financing options on their website. Below, you can find surgeons based on state:*

Accepts: most insurances, out of state medicaid, loans through CareCredit

A HUGE shoutout to Rad Remedy (www.radremedy.org) for having a great database of surgeons that I could comb through for this information.

*Please note: this is just a tentative list. Doctor’s acceptance and the inclusion of insurance companies are always subject to change, so always ask the office manager about their financing options before choosing a surgeon. Also, it is always best to contact your insurance company, equipped with a list of questions regarding coverage. I cannot stress this enough, because although a surgeon may accept insurance, the insurance company many not cover it. Keep yourself “In the know”, and it will save you from so much unwanted stress, to an already stressful process.

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Thank you so much for the feedback! I will certainly make an updated list with more accurate information, this is just a working list based off of surgeons who have it listed on their website. I’ll certainly add this surgeon.

Thank you all for reading this! I am very passionate about helping to make people’s transitions as affordable as possible. Just keep in mind that this is a working list, meaning it is in no way perfect. I’m sure there are other surgeons that accept insurance, and I will definitely be adding to this list in the future to make it more and more accurate. Again, thank you all!